Privacy Policy, Cookies, and consent to use of data

IMPORTANT: BY SUBMITTING DATA TO US AND/OR USING OUR WEB SITE YOU GIVE YOUR CONSENT THAT ALL PERSONAL DATA THAT YOU SUBMIT MAY BE PROCESSED BY US IN THE MANNER AND FOR THE PURPOSES DESCRIBED IN THE FOLLOWING PRIVACY POLICY.

Legal Entity

Mortgage Required Limited is Registered in England and Wales, Company Number 6522939.

Privacy Policy

This Privacy Policy describes current policies and practices with regard to Personal Data collected by us manually or through this website mortgagerequired.com and any subdomains. The term "Personal Data" refers to personally identifiable information about you, such as your name, birth date, telephone number, e-mail address or mailing address.

Notification of changes to this Policy

We are continually improving and adding new functionality and features to this website and improving our services. Because of these ongoing changes, changes in the law and the changing nature of technology, our data practices will change from time to time. If and when our data practices change, we will (as soon as practicable) post the changes on our website to notify you of the changes. We encourage you to check this page frequently.

Collection of Personal Data including e-mail addresses

We will collect and store the information you give us. You may use this Web Site to register to receive additional information or services from us. When you register, we ask you for contact information like your name, postal address and e-mail address.

Use of Personal Data

The purposes for which we process Personal Data include the following:-

We may use your Personal Data internally to help us improve our services and to help resolve any problems.

Opt-out choice

If you do not wish to receive information from us and want to be removed from our mailing list, please use the Contact Us page.

Anonymous data collected through this Web Site

In addition to the information we collect as described above, we use technology to collect anonymous information about the use of our Web Site. For example, we use technology to track which pages of our Web Site our visitors view. We also use technology to determine which Web browsers our visitors use. This technology does not identify you personally, it simply enables us to compile statistics about our visitors and their use of our Web Site.

Our Web Site contains hyperlinks to other pages on our Web Site. We use technology to track how often these links are used and which pages on our Web Site our visitors choose to view. Again this technology does not identify you personally - it simply enables us to compile statistics about the use of these hyperlinks.

We use this anonymous data to improve the content and functionality of this Web Site and our e-mail updates, to better understand our clients and markets, and to improve our services.

Cookies

Cookies are small pieces of text stored as a file on the computer's hard drive. They are not computer programs. They only contain and transfer to the web server as much information as the users themselves have disclosed to a certain web site.

Cookies are used by your browser and by most websites to help personalise or improve your experience using the world wide web. If you wish to restrict or block the cookies which are set by this website, or indeed any other website, you can do this through your browser settings. Restricting cookies may affect some of the functionality of this website, such as the ability to log in to password-protected areas, but most of the site will still be accessible to you.

The Help menu on the menu bar of most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie and how to disable cookies altogether.

You can find more information about deleting and controlling cookies from the AboutCookies.org website.

We will not use cookies to collect personally identifiable information about you. However, in order to provide services to you within this site's extranet, it is necessary to gather information that will enable the website to personalize, improve and to operate such services. In connection with certain aspects of the Services, we may request, collect and/or display some of your Personal Information.

The table below explains the cookies we use and why.

Name

Purpose

Expires

PHPSESSID

PHP Session ID. This is a unique identifier that is automatically created when a Session starts for a given visitor.

This cookie is deleted when browser is closed.

_utma

Google Analytics randomly generated number.

We use Google Analytics to monitor traffic levels, search queries and visits to this website.

Use of Google Analytics

This website uses Google Analytics, a web analytics service provided by Google, Inc.

Google Analytics sets a cookie in order to evaluate your use of the Site and compile reports for us on activity on the Site to help us understand how visitors engage with the Site and track visitor interactions. Google Analytics collects information anonymously and without identifying individual visitors.

Google stores the information collected by the cookie on servers in the United States. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google. By accessing this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

Analytics uses its own cookies to store information, such as what time the visit occurred, whether the visitor has been to the site before, and what site referred the visitor to the web page. To disable this type of cookie, some browsers will indicate when a cookie is being sent and allow you to decline cookies on a case-by-case basis. In addition to declining cookies, you can also install the Google Analytics Opt-out Add-on in your browser, which prevents Google Analytics from collecting information about your website visits.

Use of Sharing Tools

This website uses a number of social media tools in the form of "share" buttons to enable users of the site to easily share articles with their friends through a number of popular social networks. As a result, when you visit a page with content embedded or social media buttons and content, you may be presented with cookies from these websites. These websites are not controlled by Tribal. By using these links you accept the privacy policies of these websites.

These sites may set a cookie when you are also logged in to their service. Data may then be collected by these companies that enables them to serve up adverts on other sites that they think are relevant to your interests. If you do not use such platforms then our site will not place these cookies on your device.

Detecting information about you

This site uses detection of your browser language settings. Depending on which language your browser is set to use, this site may redirect you to page(s) in that language. We may also perform IP lookups to determine which country or region you are in, and which domain your IP address is in.

We detect these things to more accurately gauge our users' demographics.

Disclosure of your Personal Data

We do not share, sell or distribute your Personal Data with unrelated third parties, except under these limited circumstances:-

Personal Data may occasionally be transferred to third parties who act for us for further processing in accordance with the purposes for which the data was originally collected or for purposes to which you have subsequently consented.

We may share or transfer the information in our databases to comply with a legal requirement, for the administration of justice, to protect your vital interests, to protect the security or integrity of our databases or this website, to take precautions against legal liability, or in the event of a sale, merger, reorganisation, dissolution or similar event.

We may share or transfer the information in our databases with and to our volunteers, advisers and also external law firms in order to service your needs who may have their own privacy policy to which you may then be subject.

Where appropriate, before disclosing Personal Data to a third party, we contractually require the third party to take adequate precautions to protect that data and maintain confidentiality.

Data integrity and security

We strive to maintain the reliability, accuracy, completeness and currency of Personal Data in our databases and to protect the privacy and security of our databases. We keep your Personal Data only for as long as reasonably necessary for the purposes for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements.

Our employees and counsellors who have access to Personal Data have been trained to handle such data properly and in accordance with our security protocols and strict standards of confidentiality. Although we cannot guarantee against any loss, misuse, unauthorised disclosure, alteration or destruction of data, we try to prevent such unfortunate occurrences.

Data access and corrections

Upon receipt of your written request and enough information to permit us to identify your Personal Data, we will disclose to you the Personal Data we hold about you. We will also correct, amend or delete any Personal Data that is inaccurate and notify any third party recipients of the necessary changes.

If you wish to access or correct your Personal Data, please write to us at:

We do not charge for complying with a correction request. Requests to delete Personal Data are subject to any applicable legal and ethical reporting or document retention obligations imposed on us.

Link to other web sites

This Web Site contains hyperlinks to web sites that are not operated by us. These hyperlinks are provided for your reference and convenience only and do not imply any endorsement of the activities of these third-party web sites or any association with their operators. We do not control these web sites and are not responsible for their data or privacy practices. We urge you to review any privacy policy posted on any site you visit before using the site or providing any Personal Data about yourself.

Transfer of data abroad

We do not intentionally transfer Personal Data outside the UK.

Of course, the Internet is made up of a large number of international connections. If you are visiting this Web Site from a country other than the country in which our server is located (currently the UK), the various communications will necessarily result in the transfer of information across international boundaries. By visiting this Web Site and communicating electronically with us, you consent to these transfers.

Governing Law

This privacy policy forms part of our Web Site Terms of Use and as such shall be governed by and construed in accordance with the laws of England & Wales. You agree to submit any dispute arising out of your use of this Web Site to the exclusive jurisdiction of the courts of England & Wales.

Questions

If you have any questions about this Privacy Policy or concerns about the way we process your Personal Data, please contact us by using the Contact Us Page.

Your home may be repossessed if you do not keep up repayments on your mortgage.

There will be no fee for Mortgage Advice. There may be a fee for arranging a mortgage. The precise amount will depend upon your circumstances, but we estimate it to be £399.

The Financial Ombudsman Service is an agency for arbitrating on unresolved complaints between regulated firms and their clients. More detail can be found on their website: www.financial-ombudsman.org.uk